Motorcycle crashes can be severe, and insurers frequently scrutinize two things early on:
- Causation (did the crash cause your injuries?)
- Severity and consistency (do your medical records show ongoing limitations, or only short-term complaints?)
In a local setting like Hayden—where drivers commute frequently and crashes may involve drivers unfamiliar with motorcycle riders—claims are more likely to turn into “he said, she said” arguments. That’s why a calculator alone can’t capture what matters most: the story your documentation tells.


